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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 0.51
HAFC's Cash to Debt is ranked lower than
70% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. HAFC: 0.51 )
Ranked among companies with meaningful Cash to Debt only.
HAFC' s Cash to Debt Range Over the Past 10 Years
Min: 0.17  Med: 0.94 Max: No Debt
Current: 0.51
Equity to Asset 0.12
HAFC's Equity to Asset is ranked higher than
68% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HAFC: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
HAFC' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.13
Current: 0.12
0.05
0.13
Interest Coverage 5.82
HAFC's Interest Coverage is ranked higher than
84% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. HAFC: 5.82 )
Ranked among companies with meaningful Interest Coverage only.
HAFC' s Interest Coverage Range Over the Past 10 Years
Min: 0.99  Med: 3.45 Max: 5.71
Current: 5.82
0.99
5.71
F-Score: 5
M-Score: -2.86
WACC vs ROIC
4.72%
12.92%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 48.93
HAFC's Operating margin (%) is ranked higher than
82% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. HAFC: 48.93 )
Ranked among companies with meaningful Operating margin (%) only.
HAFC' s Operating margin (%) Range Over the Past 10 Years
Min: -115.05  Med: 28.50 Max: 55.58
Current: 48.93
-115.05
55.58
Net-margin (%) 29.84
HAFC's Net-margin (%) is ranked higher than
70% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. HAFC: 29.84 )
Ranked among companies with meaningful Net-margin (%) only.
HAFC' s Net-margin (%) Range Over the Past 10 Years
Min: -91.7  Med: 25.01 Max: 72.11
Current: 29.84
-91.7
72.11
ROE (%) 11.81
HAFC's ROE (%) is ranked higher than
71% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. HAFC: 11.81 )
Ranked among companies with meaningful ROE (%) only.
HAFC' s ROE (%) Range Over the Past 10 Years
Min: -59.12  Med: 10.79 Max: 27.22
Current: 11.81
-59.12
27.22
ROA (%) 1.38
HAFC's ROA (%) is ranked higher than
75% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. HAFC: 1.38 )
Ranked among companies with meaningful ROA (%) only.
HAFC' s ROA (%) Range Over the Past 10 Years
Min: -3.47  Med: 1.14 Max: 3.21
Current: 1.38
-3.47
3.21
Revenue Growth (3Y)(%) 15.60
HAFC's Revenue Growth (3Y)(%) is ranked higher than
85% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. HAFC: 15.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HAFC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.8  Med: 5.45 Max: 15.6
Current: 15.6
-43.8
15.6
EBITDA Growth (3Y)(%) 34.40
HAFC's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HAFC: 34.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HAFC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 1.7  Med: 16.00 Max: 34.4
Current: 34.4
1.7
34.4
EPS Growth (3Y)(%) -16.30
HAFC's EPS Growth (3Y)(%) is ranked lower than
88% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HAFC: -16.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HAFC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -16.3  Med: 7.60 Max: 25.4
Current: -16.3
-16.3
25.4
» HAFC's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2015

HAFC Guru Trades in Q2 2015

John Keeley 179,015 sh (New)
Paul Tudor Jones Sold Out
Barrow, Hanley, Mewhinney & Strauss 1,819,415 sh (-0.58%)
Jim Simons 1,147,657 sh (-3.49%)
» More
Q3 2015

HAFC Guru Trades in Q3 2015

Ken Fisher 116,645 sh (New)
John Keeley 423,140 sh (+136.37%)
Jim Simons 1,208,357 sh (+5.29%)
Barrow, Hanley, Mewhinney & Strauss 1,743,695 sh (-4.16%)
» More
Q4 2015

HAFC Guru Trades in Q4 2015

Paul Tudor Jones 40,300 sh (New)
Ken Fisher 130,721 sh (+12.07%)
Jim Simons 1,286,131 sh (+6.44%)
John Keeley 433,695 sh (+2.49%)
Barrow, Hanley, Mewhinney & Strauss 1,106,984 sh (-36.52%)
» More
Q1 2016

HAFC Guru Trades in Q1 2016

Ken Fisher 130,721 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HAFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 12.84
HAFC's P/E(ttm) is ranked lower than
51% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. HAFC: 12.84 )
Ranked among companies with meaningful P/E(ttm) only.
HAFC' s P/E(ttm) Range Over the Past 10 Years
Min: 3.77  Med: 13.79 Max: 34.21
Current: 12.84
3.77
34.21
Forward P/E 12.00
HAFC's Forward P/E is ranked lower than
53% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. HAFC: 12.00 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.84
HAFC's PE(NRI) is ranked lower than
51% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. HAFC: 12.84 )
Ranked among companies with meaningful PE(NRI) only.
HAFC' s PE(NRI) Range Over the Past 10 Years
Min: 3.77  Med: 13.68 Max: 33.07
Current: 12.84
3.77
33.07
Price/Owner Earnings (ttm) 8.26
HAFC's Price/Owner Earnings (ttm) is ranked higher than
69% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. HAFC: 8.26 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HAFC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.98  Med: 13.82 Max: 37.68
Current: 8.26
3.98
37.68
P/B 1.46
HAFC's P/B is ranked lower than
77% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. HAFC: 1.46 )
Ranked among companies with meaningful P/B only.
HAFC' s P/B Range Over the Past 10 Years
Min: 0.15  Med: 1.32 Max: 2.4
Current: 1.46
0.15
2.4
P/S 3.77
HAFC's P/S is ranked lower than
66% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. HAFC: 3.77 )
Ranked among companies with meaningful P/S only.
HAFC' s P/S Range Over the Past 10 Years
Min: 0.25  Med: 3.63 Max: 5.91
Current: 3.77
0.25
5.91
PFCF 11.68
HAFC's PFCF is ranked lower than
57% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. HAFC: 11.68 )
Ranked among companies with meaningful PFCF only.
HAFC' s PFCF Range Over the Past 10 Years
Min: 0.26  Med: 7.46 Max: 62.39
Current: 11.68
0.26
62.39
POCF 11.46
HAFC's POCF is ranked lower than
64% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HAFC: 11.46 )
Ranked among companies with meaningful POCF only.
HAFC' s POCF Range Over the Past 10 Years
Min: 0.25  Med: 7.27 Max: 54.72
Current: 11.46
0.25
54.72
EV-to-EBIT 8.35
HAFC's EV-to-EBIT is ranked higher than
75% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. HAFC: 8.35 )
Ranked among companies with meaningful EV-to-EBIT only.
HAFC' s EV-to-EBIT Range Over the Past 10 Years
Min: -25.4  Med: 7.40 Max: 13.2
Current: 8.35
-25.4
13.2
EV-to-EBITDA 6.99
HAFC's EV-to-EBITDA is ranked higher than
78% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. HAFC: 6.99 )
Ranked among companies with meaningful EV-to-EBITDA only.
HAFC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -32  Med: 6.40 Max: 12.3
Current: 6.99
-32
12.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.16
HAFC's Dividend Yield is ranked lower than
67% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. HAFC: 2.16 )
Ranked among companies with meaningful Dividend Yield only.
HAFC' s Dividend Yield Range Over the Past 10 Years
Min: 0.34  Med: 1.39 Max: 7.63
Current: 2.16
0.34
7.63
Dividend Payout 0.28
HAFC's Dividend Payout is ranked higher than
76% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. HAFC: 0.28 )
Ranked among companies with meaningful Dividend Payout only.
HAFC' s Dividend Payout Range Over the Past 10 Years
Min: 0.11  Med: 0.18 Max: 0.3
Current: 0.28
0.11
0.3
Forward Dividend Yield 2.42
HAFC's Forward Dividend Yield is ranked lower than
66% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. HAFC: 2.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.16
HAFC's Yield on cost (5-Year) is ranked lower than
70% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. HAFC: 2.16 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HAFC' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.34  Med: 1.39 Max: 7.63
Current: 2.16
0.34
7.63
3-Year Average Share Buyback Ratio -0.40
HAFC's 3-Year Average Share Buyback Ratio is ranked higher than
68% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HAFC: -0.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HAFC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -74.4  Med: -16.10 Max: 2.8
Current: -0.4
-74.4
2.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.46
HAFC's Price/Tangible Book is ranked lower than
69% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HAFC: 1.46 )
Ranked among companies with meaningful Price/Tangible Book only.
HAFC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.37  Med: 1.54 Max: 4.96
Current: 1.46
0.37
4.96
Price/Projected FCF 0.64
HAFC's Price/Projected FCF is ranked higher than
52% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. HAFC: 0.64 )
Ranked among companies with meaningful Price/Projected FCF only.
HAFC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.57 Max: 1.64
Current: 0.64
0.08
1.64
Price/Median PS Value 1.04
HAFC's Price/Median PS Value is ranked lower than
54% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. HAFC: 1.04 )
Ranked among companies with meaningful Price/Median PS Value only.
HAFC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.12  Med: 1.00 Max: 1.61
Current: 1.04
0.12
1.61
Price/Graham Number 0.96
HAFC's Price/Graham Number is ranked lower than
62% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. HAFC: 0.96 )
Ranked among companies with meaningful Price/Graham Number only.
HAFC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.44  Med: 0.98 Max: 2.17
Current: 0.96
0.44
2.17
Earnings Yield (Greenblatt) (%) 12.00
HAFC's Earnings Yield (Greenblatt) (%) is ranked higher than
77% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HAFC: 12.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HAFC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 7.6  Med: 11.10 Max: 2340.5
Current: 12
7.6
2340.5
Forward Rate of Return (Yacktman) (%) 58.04
HAFC's Forward Rate of Return (Yacktman) (%) is ranked higher than
93% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. HAFC: 58.04 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HAFC' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 10.7  Med: 55.90 Max: 207.5
Current: 58.04
10.7
207.5

More Statistics

Revenue(Mil) $193
EPS $ 1.80
Beta0.35
Short Percentage of Float2.20%
52-Week Range $18.92 - 28.09
Shares Outstanding(Mil)32.16

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 198 221
EPS($) 1.73 1.93
EPS without NRI($) 1.73 1.93

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LKFN, OTCPK:FMBL, NYSE:BANC, NAS:STBZ, NAS:ORIT, NAS:NFBK » details
Traded in other countries:HF7N.Germany,
Hanmi Financial Corp is a Delaware corporation incorporated on March 14, 2000 to be the holding company for Hanmi Bank "Bank". The Company, together with its subsidiary, is a community bank conducting general business banking, with its primary market encompassing the Korean-American community as well as other communities in the multi-ethnic populations of Los Angeles County, Orange County, San Bernardino County, San Diego County, the San Francisco Bay area, and the Silicon Valley area in Santa Clara County. It offers a complete line of insurance products, including life, commercial, automobile, health, and property and casualty. The Bank provides its banking services through its branch network to a variety of small- to medium-sized businesses. The Bank's lending activities include real estate loans "commercial property, construction and residential property", commercial and industrial loans "commercial term loans, commercial lines of credit, SBA loans and international trade finance", and consumer loans. The Bank offers commercial real estate loans, which are usually collateralized by first deeds of trust. Its commercial real estate loans are secured by investor-owned commercial buildings and owner-occupied commercial and industrial buildings. The Bank finances the construction of multifamily, low-income housing, commercial and industrial properties within its market area. The Bank offers term loans for a variety of needs, including loans for working capital, purchases of equipment, machinery or inventory, business acquisitions, renovation of facilities, and refinancing of existing business-related debts. The Bank also offers a traditional of deposit products, including non-interest bearing checking accounts, interest bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts and certificates of deposit. The company competes for loans, deposits and customers with other commercial banks, savings institutions, securities and brokerage companies, mortgage companies, real estate investment trusts, insurance companies, finance companies, money market funds, credit unions and other non-bank financial service providers. The Company is subject to government regulations that could limit or restrict its activities, which in turn could adversely affect its operations.
» More Articles for HAFC

Headlines

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Four CEOs Reporting Over $100,000 Insider Buys Sep 17 2013 
Weekly CEO Buys Highlight: KMI, GBDC, HAFC, BPFH, MTDR Sep 16 2013 
Weekly CEO Buys Highlight: RCL, PSXP, ALXA, PAY, HAFC Aug 05 2013 
Weekly CFO Buys Highlight: BWEN, ENZ, PIP, HAFC, AACC Nov 21 2011 
Hanmi Financial Corp. Reports Operating Results (10-K/A) Jun 03 2010 

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